When it comes to de-risking your retirement portfolio, the author of today’s article suggests thinking of it as being akin to de-icing your car, noting that “de-risking is important. It helps insulate your future retirement income from a market plunge that could occur near, or soon after, your retirement date.” In terms of how to de-risk, however, she advocates taking a different approach than the one traditionally employed – “a planning process that tells you when to de-risk your retirement money based on your goals.” For more, CLICK HERE.
“In retirement – or anytime – crafting a worthy portfolio of stellar REITs requires selecting from the most high-quality, steadfast companies; those with unique selling propositions, best-in-class types, that “own” their category, and pay regular and growing dividends. I call these particular REITs, “SWANs,” which stands for “sleep well at night”, explains the author of today’s article, who also notes that only 28 REITs currently hold this SWAN distinction. He proceeds to highlight five top picks that “could provide a powerful boost and bedrock to your portfolio and retirement cash flow.” CLICK HERE.
The author of today’s article advises that “when it comes to selecting investments for each part of your portfolio, you can really skinny things down by focusing on investments that provide a lot of diversification in a single shot.” She proceeds to highlight a number of funds that both retirement accumulators and those who are already in retirement could consider for this purpose – whether they are looking for a single-fund option or looking to employ a building-block approach. For more, CLICK HERE.
“Although dividend stocks are a mainstay of a retirement portfolio, they are not the only stocks you should have,” advises the author of today’s article, who proceeds to highlight three stocks offering income and growth to consider for retirement. For these three stocks, as well as the author’s advice regarding the right amount of portfolio diversification in retirement and his answer to the question “Is any risk allowed in a well-designed retirement portfolio?”, CLICK HERE.
Think you need $1 million to retire? The author of today’s article calls that belief the “million-dollar myth” – and shows how, using a “4-pack” of closed-end funds with an average dividend of 8.5%, you can retire on less than half that amount. For the four funds in question – and what the author sees as a big reason for the existence of the million-dollar myth in the first place, CLICK HERE.
Despite being very conservative and diversified, the author of today’s article’s retirement portfolio did slightly worse than the Dow last year, with every single one of his holdings (other than cash) posting a loss – his worst return since 2008. Having lost 10% of his net worth, and believing that 2019 could be even worse for the markets than 2018, how is this early retiree coping? For his current holdings, his second thoughts on 2018, and how he’s responding to warning signals for 2019, CLICK HERE.
To annuitize or not to annuitize: that is the question that the author of today’s article tackles – and a question that he notes “nearly all retirees and soon-to-be-retirees face at one time or another.” Do annuities have a place in your retirement portfolio? Is there a better alternative when it comes to having a stream of income that is guaranteed to last as long as you do? And what may be the optimal amount of your retirement portfolio to allocate to annuities? CLICK HERE.
Given its recent moves, investors have reason to be anxious about the market – and none more so than investors who are at retirement’s doorstep. For those in that group, today’s article outlines a number of strategies to consider, as identified by top financial advisers. First, however, the author advises that “It’s critical that you…draft a retirement-income plan”, noting that “Those who have such a plan don’t worry about market declines. And those who don’t have a plan, worry.” For how to create a retirement-income plan – and for the aforementioned strategies for protecting your retirement portfolio from market volatility – CLICK HERE.
Earlier this summer, a Barron’s cover story advanced the claim that this is “the worst time to retire since just before the dot-com bubble burst”, pointing to the nearly decade-long stock bull market (and even older bond bull market) – and the “rising market volatility, rising inflation, rising interest rates and an uncertain economic outlook” expected to result – as the reasons why. The author of today’s article, however, has a different take – and argues that soon-to-be retirees who succumb to this thinking are hurting their retirement portfolios. For more, CLICK HERE.
When it comes to 401(k)s and IRAs, the author of today’s article argues that “Gambling away your retirement funds in a government-sponsored game of chance is a game you have little hope of winning.” Instead, he asserts that if you want to retire for real (and early), the key is attaining financial freedom – which requires focusing on cash flow rather than capital gains. For more – including the opportunity the author sees in a coming depression – CLICK HERE.